Compare American Express business credit cards

American Express offers credit and charge cards for business customers, offering the chance to monitor spending and attain rewards while spending.

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100% of American Express customers would recommend it to a friend
Acceptance at smaller merchants remains an issue

Compare American Express business cards

Table: sorted by representative APR, promoted deals first
1 - 5 of 5
Name Product Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
American Express Business Gold Card
3.8
★★★★★
N/A (this product is a charge card).
Year 1 - £0, Year 2 onwards - £195
1 point per £1 spent
N/A (this product is a charge card).
Go to siteCard details
Earn 20,000 bonus Membership Rewards® points when you spend £3,000 in the first 3 months. Terms apply.
American Express Business Platinum Card
3.8
★★★★★
N/A (this product is a charge card).
£650
1 point per £1 spent
N/A (this product is a charge card).
Go to siteCard details
Earn 40,000 bonus Membership Rewards® points when you spend £6,000 in the first 3 months. Terms apply.
The American Express Business Basic Card
4.1
★★★★★
N/A (this product is a charge card).
£0
N/A
N/A (this product is a charge card).
Card details
Finder Award
£100 GIFTCARD
Amazon Business Prime American Express Card
4.0
★★★★★
28.3%
£50. No annual fee for your first year or if you spend £8,000 or more on the Card each year.
2 points per £1 spent with selected partners
1 point per £2 spent elsewhere
39.7% APR (variable)
Card details
Earn 2% Amazon Rewards for every £1 spent on selected Amazon purchases and 0.5% Amazon Rewards for every £1 spent on all purchases elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 28.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 39.7% APR (variable).
Amazon Business American Express Card
4.0
★★★★★
28.3%
Year 1 - £0, Year 2 onwards - £50 per annum
1.5 points per £1 spent with selected partners
1 point per £2 spent elsewhere
39.7% APR (variable)
Card details
Earn 1.5% Amazon Rewards on the first £120,000 in purchases each calendar year, 1% thereafter at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or 60 day extended payment terms on such purchases. Earn 0.5% Amazon Rewards on all other purchases.
Representative example: When you spend £1,200 at a purchase rate of 28.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 39.7% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

What do American Express business credit cards offer?

American Express business credit and charge cards offer you the opportunity to manage your company’s cash flow while earning rewards for your spending. You’ll accrue Membership Rewards points while you spend, and potentially also lucrative welcome bonuses and anniversary bonuses too. The points can be redeemed against offers in the app or simply against purchases you make using the card.

What's the difference between a charge card and credit card?

With a charge card, you are expected to clear your balance in full every month. As such, these cards don’t charge interest, although there are usually harsh fees if you fail to clear your balance. The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. Charge cards can come with a monthly or annual fee attached, however, and do not offer purchase protection under section 75 of the Consumer Credit Act.

While charge cards are fairly rare in the consumer space, they are more prevalent in business banking.

American Express business cards features and benefits

American Express offers a range of benefits to all business card customers, including:

  • Business account management. Amex’s 24-hour online business account management lets you check your balance, payments, past statements and keep track of all business purchases made on your Account.
  • Membership Rewards. Earn one point on every full £1 you spend and redeem for a variety of rewards to reinvest in your business or to treat yourself or your employees.
  • Cash flow management. Up to 42 or 54 days, depending on your card.
  • Complementary supplementary cards. Available to Platinum and Gold business charge cardholders.
  • No pre-set spending limit. As with all charge cards, there is no credit limit as you are expected to pay off your balance in full every billing cycle.

How to compare American Express business cards

When comparing American Express business charge cards, think about what your company needs.

If you’re starting out and want to avoid fees, then the Basic card could be a handy way to take advantage of Amex’s business tools while keeping costs down.

However, if you want rewards for your spending, such as points and travel benefits, including free airport lounge access, a concierge and insurance, it would be worth considering the Gold or Platinum charge card.

American Express customer reviews

Customers who participated in Finder’s 2024 customer satisfaction survey were overwhelmingly positive about American Express, with many highlighting its “great” customer service and app, and generous rewards and benefits.

American Express finished second in business cards category in the Finder Customer Satisfaction Awards 2024, and boasted a clean sheet 100% of customers happy to recommend the brand to a friend.

Several customers cited the rewards and benefits they get with their Amex business card, and many mentioned great service.

One said:”Easy to access customer service. Prompt decision making process. Able to speak with humans and not bots.”

Contact American Express’ customer support

For any queries, ring your card’s telephone number as found below:

British Airways American Express® Accelerating Business Card 0800 917 8043
American Express® Business Platinum Card 0800 917 8043
American Express® Business Gold Card 0800 917 8043
American Express® Business Basic Card 0800 917 8043
Amazon Business Prime American Express® Card 0800 731 0146
Amazon Business American Express® Card 0800 731 0146

Overview of American Express business credit cards

Lowest representative APR 39.7%
Lowest cash advance 33.7%
Highest cashback earn-rate No cashback available
Highest introductory bonus offer 60,000 points

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Finder business card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

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